Cheapest Car Insurance Quotes in San Antonio (2025)

State Farm is San Antonio's cheapest option for car insurance, with liability rates that start at $39 per month.

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Cheapest recent rates near San Antonio, Texas

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $60/mo for full coverage in San Antonio and other Texas cities.

*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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As the second most-populated city in one of the fastest-growing states in the country, San Antonio, Texas, residents are frequently faced with rising prices. That includes the price they pay for car insurance.

San Antonio residents face average monthly costs of $233 for full-coverage car insurance and $125 for liability-only policies. The city's population density and high accident rate likely contribute to its car insurance rates, which are on par with the Texas average of $233 per month for full coverage and $121 for liability.

If you live in San Antonio, you can find an affordable auto policy that matches your needs by comparing coverage from different companies, including the city's three cheapest options: State Farm, GEICO, and Allstate.

Quick Facts
  • State Farm offers the cheapest car insurance in San Antonio.

  • Coverage in San Antonio is cheaper than in other large Texas cities, like Dallas and Houston.

  • The minimum insurance requirements in Texas include body injury liability of $30,000 per person, $60,000 per accident, and property damage liability of $25,000.  

Cheapest car insurance companies in San Antonio

If you’re searching for cheap car insurance in San Antonio, keep in mind that one size doesn’t fit all. The best coverage for you may be different from someone else. Choosing the right insurance policy for you depends on your individual situation and needs. The following table highlights important information about some top insurance companies serving San Antonio, including the companies' average rates for the state of Texas.

Insurance Company
sort ascsort desc
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
sort ascsort desc
Average Monthly Quote: Full Coverage
sort ascsort desc
Average Monthly Quote: Liability Only
sort ascsort desc
Best for
sort ascsort desc
Allstate8.9$104$56Pay-per-mile
State Farm9.3$74$40Liability-only
GEICO9.0$80$43Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

In the data presented below, you’ll see State Farm offers the cheapest car insurance in San Antonio for drivers with clean driving records, as well as those with:

  • A speeding ticket

  • An at-fault accident

  • A DWI

State Farm also has the best car insurance rates for senior and teen drivers.

The chart below shows how State Farm and its two closest competitors in San Antonio, GEICO and Allstate, compare with one another.

State Farm: Best for liability-only

State Farm logo
User Reviews
4.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$74/mo
4.1
Best choiceBased on 9,893 verified guest reviews and ratings
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,449)

K

March 12, 2025

Verified Review

Poor

I'm struggling financially because my insurance payments are too high.

Michael

March 12, 2025

Verified Review

Horribly Managed Company

Relentless, outrageous premium increases are par for the course with this company!

Jackie

March 12, 2025

Verified Review

Great, but the Rates are High

Aside from the fact that the rates for home and auto insurance keep increasing, they have been a great company.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
851
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm is a group of mutual insurance companies with headquarters in Bloomington, Illinois. Founded in 1922, it’s the largest property, casualty, and auto insurance company in the U.S. by market share.

Pros
  • AM Best financial strength rating of A++ (Superior)

  • Highest-rated auto insurer for customer service by J.D. Power in 2022[1]

  • Discounts available for safe drivers and young drivers

Cons
  • Coverage not available online

  • Policies only sold by captive State Farm agents

  • Gap insurance and accident forgiveness coverage not available

GEICO: Best car insurance for discounts

GEICO logo
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$42/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$81/mo
4.0
Best choiceBased on 10,953 verified guest reviews and ratings
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,000)

Linda

March 12, 2025

Verified Review

My Review

They are very understanding of circumstances and willing to make adjustments. It's relatively easy to get to customer service.

Trevia

March 12, 2025

Verified Review

My Geico Experience

The service is excellent.

Rich

March 12, 2025

Verified Review

Getting Very Expensive

They keep raising the rates.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO, an indirect, wholly owned subsidiary of Berkshire Hathaway, is the third-largest private passenger auto insurer in the U.S. In 2022, GEICO wrote $38.1 billion in direct premiums.

Pros
  • 24/7 online customer service, 365 days a year

  • Nine affiliated companies to meet drivers’ insurance needs

  • Comprehensive mobile app

Cons
  • Coverage not available online

  • Lower J.D. Power claims satisfaction rating than State Farm and Allstate[1]

  • Gap and rideshare coverage not available

Allstate: Best car insurance for pay-per-mile coverage

Allstate logo
User Reviews
4.0
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9 /10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$106/mo
4.0
Best choiceBased on 6,113 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,331)

Joshua

March 12, 2025

Verified Review

Keep Shopping

Don't settle just yet! They start you off with a decent price, but don't get used to it. Within a year, the prices are likely to increase. Customer service is primarily non-native English speakers, so you might struggle to understand their responses to your questions.

James

March 12, 2025

Verified Review

Price Gougers

Every renewal, the rates increased exponentially! I called the agent, but very little was done to resolve the overages, even after being a good customer for over 5 years.

Lee

March 12, 2025

Verified Review

Great Experience

Friendly service.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
832
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Allstate was founded in 1931 by Chicago department store Sears, Roebuck and Co. Its corporate headquarters is in Glenview, Illinois, and it’s a component of the S&P 500, as one of the largest companies in America.

Pros
  • Auto insurance sold by Allstate's exclusive agents as well as independent agents

  • Many local agents in the San Antonio area

  • Offers new-car replacement, accident forgiveness, and safe driving perks

Cons
  • Only sold through Allstate agents

  • 1.5 (out of 5) stars on Trustpilot

  • More expensive than some competitors

How to get the cheapest car insurance in San Antonio

With a bit of time and effort, you can find cheap car insurance in San Antonio. Avoiding moving violations, accidents, and DWIs will help you keep your rates low. Insurers reward safe drivers with better rates.

Here are a few other tips to help you find cheap car insurance in the Alamo City:

  1. Maintain a good driving record.

  2. Carry a higher deductible.

  3. Don’t over-insure if you have an older vehicle.

  4. Get multiple quotes.

Attaining three or more quotes from different insurers is a great way to compare plans — and premiums — against one another to find the policy that works best for you.

Cheapest liability-only car insurance in San Antonio: State Farm

When you look at rates only, you’ll find liability-only car insurance more affordable than full coverage. However, depending on your needs, you may determine that liability-only car insurance doesn’t provide the protection you need.

For example, a major drawback of liability-only car insurance is that it doesn’t cover damage to your car in an accident you cause. This can lead to heavy out-of-pocket expenses, especially if you have a newer model car. Collision insurance covers damage to your vehicle regardless of who’s responsible for an accident.

However, San Antonio property and casualty insurance agent Jordan Gallegos, of Hippo Insurance, cites several instances where liability-only insurance may be appropriate. “In the event the premium (average years of premium per accident) outweighs the vehicle value, you’d be paying more in insurance than you (might receive for a claim) if it was totaled,” he says.

If you’re curious about your liability coverage options in San Antonio, these insurers offer the cheapest liability-only car insurance in the area:

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$39
GEICO$42
Allstate$55
Mile Auto$59
USAA$70
Nationwide$88
Mercury$93
Progressive$102
Root$104
Dairyland$114
Chubb$120
Safeco$122
Direct Auto$132
The General$132
National General$132
Clearcover$133
AssuranceAmerica$134
Bristol West$135
Commonwealth Casualty$137
21st Century$138
Elephant$151
GAINSCO$171
Foremost$224
Liberty Mutual$241
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in San Antonio: State Farm

If you drive a newer-model car, you may find full-coverage car insurance the more beneficial solution. Unlike liability-only coverage, which doesn’t cover damage to your vehicle, full-coverage car insurance includes liability, comprehensive, and collision coverage. This provides you with financial protection regardless of who caused the accident.

Here’s a look at the top insurers in San Antonio offering full-coverage car insurance.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$74
GEICO$81
Allstate$106
Mile Auto$121
USAA$133
Mercury$166
Nationwide$167
Progressive$177
Root$197
Safeco$198
Clearcover$218
Chubb$226
Direct Auto$247
Elephant$251
National General$259
21st Century$261
The General$270
Bristol West$280
AssuranceAmerica$293
Dairyland$299
Liberty Mutual$338
GAINSCO$366
Commonwealth Casualty$382
Foremost$489
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Texas

Texas is an at-fault (or tort) state. This means the person who caused the accident is responsible for paying damages to the other party in the crash.

Texas also requires all drivers to carry car insurance, and your coverage must meet these legal minimum requirements:

Coverage
sort ascsort desc
Minimum Requirements
sort ascsort desc
Bodily injury liability$30,000 per person and $60,000 per accident
Property damage liability$25,000

Remember that carrying only the minimum amount of car insurance can be very costly if you cause a multi-vehicle accident or the other driver’s car is totaled. 

Insurance professionals recommend that you consider adding these optional coverages:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    This pays to repair or replace your vehicle after a collision with another vehicle, or an object like a tree, fence, or light pole. It also provides coverage for rollover accidents and pothole damage.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive (other than collision) coverage

    This provides coverage if your car is stolen, vandalized, or damaged by fire, flood, or something other than a collision.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments

    This pays you and your passengers’ medical bills or if you’re hurt while being a passenger in someone else’s car.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection (PIP)

    This covers medical payments, lost wages, and other non-medical costs.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This pays if you’re involved in an accident with someone without car insurance or the other party doesn’t have enough coverage to pay your medical and repair bills. It also covers hit-and-run incidents. Texas law requires insurers to offer uninsured/underinsured motorist coverage by default, but you can decline the coverage in writing.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    This pays to have your car towed if it’s undrivable.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    Rental reimbursement coverage

    This pays car rental costs if your car is stolen or being repaired after an accident.

Cheapest car insurance for drivers with an incident

When you leave your home or office, the last thing you want is to be involved in a driving incident, such as:

Unfortunately, if an incident happens while you’re driving, you’ll likely see your car insurance rates increase.

In San Antonio, for example, your liability-only rates will increase from $62 to $84 per month with State Farm if you have a speeding ticket.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Speed is a main factor in many auto injuries and deaths, so insurance companies are prone to raising your rates if you’re issued a speeding ticket. In addition, the more tickets you accumulate, the higher your rates will climb. Driving the speed limit and avoiding tickets will not only keep your rates lower; in some cases, it could earn you a discount.

San Antonio drivers with speeding tickets see average monthly car insurance rates of $319 for full coverage and $171 for liability-only policies. The following table illustrates monthly quotes for San Antonio drivers with speeding tickets.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$94$50
GEICO$104$54
Allstate$137$71
Mile Auto$153$75
USAA$171$90
Nationwide$217$114
Progressive$228$131
Mercury$230$129
Safeco$260$160
Root$276$146
Clearcover$280$171
Chubb$293$156
Direct Auto$320$171
Elephant$322$194
National General$334$170
21st Century$347$183
The General$361$176
Bristol West$365$176
AssuranceAmerica$372$170
Dairyland$384$147
Liberty Mutual$465$331
GAINSCO$503$235
Commonwealth Casualty$525$188
Foremost$672$308
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Everyone makes mistakes, but causing an accident when you’re driving is a surefire way to have your car insurance rates raised. And if you have multiple accidents on your driving record, it could possibly result in your insurer deciding to not renew your policy.

At-fault accidents push average car insurance rates in San Antonio to $329 per month for full coverage, and $177 for liability. Here, you can see an example of the rates you could pay with an at-fault accident in San Antonio.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$98$52
GEICO$109$56
Allstate$142$74
Mile Auto$164$80
USAA$178$94
Nationwide$226$119
Progressive$242$140
Mercury$242$135
Safeco$272$168
Root$287$152
Chubb$303$161
Clearcover$320$195
Elephant$336$202
Direct Auto$339$181
National General$344$175
21st Century$358$189
The General$372$182
Bristol West$376$181
AssuranceAmerica$380$174
Dairyland$399$152
GAINSCO$471$220
Liberty Mutual$480$342
Commonwealth Casualty$506$181
Foremost$694$318
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DWI: State Farm

If you’re convicted of driving while intoxicated (DWI), your rates will take a more significant jump than for the previous violations mentioned above. DWIs stay on your record permanently in Texas, which will keep your rates higher.[2]

Liability-only policies average $202 per month with a DWI in San Antonio. The following table shows examples of rates from top insurance companies for San Antonio drivers with DWIs.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$120$63
GEICO$131$68
Allstate$172$89
Mile Auto$196$96
USAA$215$113
Mercury$255$143
Nationwide$270$142
Progressive$287$165
Root$289$153
Safeco$309$190
Clearcover$353$215
Chubb$366$194
Direct Auto$400$214
Elephant$406$244
National General$419$214
21st Century$423$223
The General$437$214
Bristol West$453$219
AssuranceAmerica$474$217
Dairyland$484$185
Liberty Mutual$547$390
GAINSCO$593$277
Commonwealth Casualty$618$222
Foremost$792$363
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Although seniors typically drive fewer miles than younger drivers, their rates start to increase as they age. While car insurance rates begin to drop when a driver turns 25, they increase for senior drivers in their 70s and 80s. Slower reflexes, and vision and hearing impairments are often cited as reasons seniors are involved in more accidents, which reflects the rate increase.

Car insurance for senior drivers in San Antonio averages $184 per month for full coverage and $98 for liability. Fortunately, many insurers in the San Antonio area still offer affordable liability-only coverage for senior drivers, as you can see from the monthly averages in the table below.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
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Full Coverage
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Liability Only
sort ascsort desc
State Farm$56$29
GEICO$63$32
Allstate$83$43
Mile Auto$89$43
USAA$103$54
Nationwide$121$64
Progressive$123$71
Mercury$130$73
Chubb$161$85
Root$164$86
Safeco$166$102
Direct Auto$186$99
Clearcover$187$114
Elephant$189$113
21st Century$190$101
National General$191$97
The General$210$103
AssuranceAmerica$218$100
Bristol West$219$106
Dairyland$234$89
Liberty Mutual$273$195
Commonwealth Casualty$296$106
GAINSCO$297$139
Foremost$382$175
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers are considered to be a higher risk than adults due to their inexperience and tendency to be more distracted while driving. If you’re a young driver, you can lower your insurance costs by staying on your parents’ car insurance policy, getting a safer car, earning a good student discount (“B” average or better), or a student-away-at-college discount.

Minor teens can't buy a car insurance policy of their own without the written consent of a parent or guardian. In San Antonio, car insurance for teen drivers costs a monthly average of $446 for full coverage and $239 for liability policies. The following table provides examples of monthly rates for teen drivers from top insurance companies in San Antonio.

The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance Company
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$139$73
GEICO$142$74
Allstate$206$107
USAA$243$128
Mile Auto$251$122
Mercury$312$175
Nationwide$319$168
Root$320$169
Progressive$331$191
Safeco$410$253
Clearcover$423$258
Elephant$449$270
The General$462$226
Chubb$473$251
21st Century$482$255
Direct Auto$486$260
Bristol West$506$244
Dairyland$509$194
National General$540$275
AssuranceAmerica$562$257
Liberty Mutual$615$438
GAINSCO$673$315
Commonwealth Casualty$701$252
Foremost$933$427
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near San Antonio, Texas

Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $60/mo for full coverage in San Antonio and other Texas cities.

*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around San Antonio, Texas within the last 10 days. Last updated on March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 13, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

San Antonio car insurance quotes by credit tier

In Texas, unlike some other states, insurers can use your credit history as a factor when calculating your insurance rates. Insurance companies penalize consumers with poor credit scores with higher insurance rates than those with excellent or good credit scores.

These are the average full-coverage car insurance rates in San Antonio by credit score:

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in San Antonio?

Car insurance in San Antonio is comparable with other large metro areas in Texas. Rates in San Antonio are 30% less expensive than in Houston but 5% more expensive than you’ll find in Austin.

Rates in any area will vary according to the amount of risk the insurer perceives, considering historical data concerning accidents and injuries in a given area. This means if you live in a city with a higher propensity for accidents or auto crimes such as theft or vandalism, you’ll likely pay a higher rate.

More cities in Texas

Here’s how San Antonio’s average monthly auto rates compare to other major metro areas in Texas.

City
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Full Coverage
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Liability Only
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San Antonio$233$125
Abilene$199$94
Austin$231$132
Corpus Christi$230$131
Dallas$267$132
El Paso$200$99
Galveston$226$129
Houston$311$172
Laredo$206$110
Plano$234$126
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

San Antonio car insurance FAQs

Looking for more information that will help you find the best car insurance rates in San Antonio? The following answers can help.

  • How much is car insurance in San Antonio?

    The total monthly average cost of car insurance in San Antonio is $179. Full coverage in the city averages $233 per month, and liability-only insurance averages $125. Your actual car insurance costs will depend on many factors that may push your rates higher or lower than the city's average.

  • Who has the cheapest car insurance in San Antonio?

    State Farm offers the cheapest car insurance in San Antonio, with liability rates that start at $39 per month. San Antonio drivers can also find affordable rates with GEICO and Allstate, the city's second- and third-cheapest insurers, with liability rates starting at $42 and $55, respectively.

  • What are the best car insurance companies in San Antonio?

    State Farm, GEICO, and Allstate all rank as some of the best insurers for customers in San Antonio. Each has an impressive IQ Score, with State Farm and GEICO scoring a 4.4 out of 5 and Allstate scoring a 4.2. All three have solid financial stability ratings from AM Best, and State Farm has the best customer service in the industry, according to J.D. Power.

  • Is car insurance cheaper with two cars?

    Yes and no. While your monthly premium will be higher insuring two vehicles, most insurers will offer you a discount, allowing you to pay a lower premium than if you insure each vehicle separately.

  • What comes first: Buying a car or getting car insurance?

    You must have car insurance to drive a vehicle in Texas. This insurance must meet the minimum required amounts of $30,000 per person and $60,000 per accident in bodily injury liability, and $25,000 in property damage liability.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds."
  2. Experian. "How Long Does a DUI Affect Car Insurance?."
Bob Phillips
Bob Phillips

Having spent more than 15 years helping people plan their lives financially, Bob
mastered many different financial products to help people achieve their financial
goals, including life insurance, disability insurance, mutual funds, and stocks and
bonds. He earned the Chartered Life Underwriter (CLU) designation and held
numerous securities licenses. Bob is an internationally published poet and is now
a freelance writer living in North Texas with his wife and Doberman puppy.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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